3 fold add capital proposal to obtain after approving, lucky person life is in eventually before four quarters ended this 2018 11 quarters are consecutive the corner of deficit, score odd season gain, solvency is led amply never also pass a test,examination,etc. with one action is jumped litre to the level that exceeds superintendency requirement.
Be worth what carry is, although lucky person life realized odd season gain, but still had not escaped the demon cuss of annual deficit. Add endowment although obtain,approve, however fully " shrink " 690 million. In the meantime, the issue that this company needs to face still has a lot of.
7 years deficit predicament needs solution
A few days ago, lucky person life was announced solvency of the fourth quarter reported 2018. The report shows, solvency of core of the fourth quarter leads lucky person life amply from on 78.37% promotion of the quarter come 174.04% , integrated solvency from on 85.43% promotion of the quarter come 182.64% , although exceed the level of superintendency requirement, but still under birthday danger industry the average level of 240% .
Besides the promotion of solvency, the four seasons spent lucky person life 2018 net profit also by negative become a full member, achieve thirty-two million and eighty-four thousand four hundred yuan. Nevertheless annual looked 2018, profit of this company net profit still deficit seventy-nine million eight hundred and eighty-eight thousand six hundred yuan.
And this has been lucky person life holds water up to now the 7th year.
Insurance element has " 7 smooth 8 be filled with " view, those who say is to regard investment as the financial industry condition with redound longer period, according to the rule that insurance develops, one new the insurance company that establish, should experience endless loss period, accomplish profit and loss to balance to the 7th year of ability that establish, the 8th year ability realizes gain.
Apparent, the lucky person age that established on September 21, 2012 did not hand over good report in the 7th year. Go quite nevertheless, deficit has truly cut.
The management history that reviews lucky person life can discover, this company is deep-set all the time deficit mire. Came 2012 2017, its net profit parts deficit 72 million yuan, 131 million yuan, 177 million yuan, 136 million yuan, 363 million yuan, 455 million yuan, total loss total is close 1.4 billion.
Nevertheless, chief ever expressed to our newspaper reporter related lucky person life, since company start business, the index of main outstanding achievement such as income of dimensions insurance cost, original insurance cost is in the situation that rises continuously from beginning to end, do not exist to worsen continuously circumstance. From the point of industry development rule, birthday risk company needs to pass commonly " 7 smooth 8 be filled with " hammer into shape, show a lot of companies inside the industry, the ability after experiencing this labor pains period formed present dimensions and industry position, there is no lack of among them attention of a few consumer is spent and famous degree of taller star danger look forward to.
Of shrink add endowment forehead take temporary solution not effect a permanent cure
In fact, because hold water since the pay no attention toing of management outstanding achievement thinks, lucky person life ever was started in August 2016 first-run add endowment with additional capital gold, from 8 partner that include Hunan money to believe investment inside place collect does not outstrip 2.614 billion yuan fund. Of the same age in September, protect inspect to meet those who agreed with lucky person life add endowment application, register capital gold to increase 2.3 billion current yuan by 1.507 billion yuan.
This brushstroke is added endowment the solvency that improved lucky person life not only, the effect of net to its assets is same get effect instantly. Solvency of core of lucky person life led 3 quarters amply 2016 and integrated solvency is led amply direct by 2 quarters 135.32% rise to 194.91% , its are clean asset also relatively go up to grow more than 1 first quarter times, achieve 1.514 billion yuan.
But good times don't last long, the four seasons was spent 2016, deficit of lucky person life achieves 151 million yuan, with 3 quarters 27.48 million yuan deficit photograph is compared, loss rate is deepened 450.29% , enough rate and core solvency lead integrated solvency amply also in pairs drops to 140.38% . Arrived 2018 first quarter, enough rate and integrated solvency lead its core solvency to had dropped to respectively amply 71.60% , 78.87% .
All also worsen continuously as a result of the management state of lucky person life and solvency, lucky person life is in tierce was released 2018 increase capital proposal, advance add endowment plan, in order to see its a pressing need.
This year on January 3, of lucky person life add endowment the approval that plans to obtain the silver-colored meeting that keep watch eventually. The company registers capital to increase to by 2.3 billion yuan about 3.46 billion yuan, add endowment forehead to spend it is 1.16 billion yuan about.
However, this is not lucky person life initiative increase capital proposal. Lucky person life was reached on Feburary 13, 2018 will announce two to increase capital proposal early or late on April 27. Add capital proposal to look according to these two, lucky person life plans formerly is to will register capital gold rise by 2.3 billion yuan reach about 4.15 billion yuan, add endowment forehead to spend it is 1.85 billion yuan about.
By this token, add capital proposal finally to add endowment forehead shrink than what plan formerly about 690 million yuan.
From add capital proposal finally to look, add endowment hind, investment of Hunan money letter still is lucky person life the biggest partner, hold a 33%; Shanghai Lu to install investment to rise for the 2nd large stockholder, hold an investment of 18.34%; Changsha forerunner to fall for the 3rd large stockholder, hold 14.9% .
Nevertheless, inside course of study the personage looks, although lucky person life was obtained,add endowment, but to danger look forward to character, temporarily blood transfusion eradicates hard the severe illness with hematopoiesis defective ability, be like lucky person life cannot quick profit, add endowment also be take temporary solution not of the effect a permanent cure lift.
But no matter how, to lucky person life, add endowment obtain approving is a good beginning.
Lucky person life expresses when reporter of reply our newspaper is interviewed, according to the company new development plans, 2019 will be the key that the company realizes make up deficits and increase surpluses at an early date a year, value of company general focusing, focusing benefit of danger, focusing, perfect company strategy further, advance strategic transition sturdily, continuously aggrandizement management, return to birthday risk source, do strong safeguard business, do great value business. Lucky person life makes effort general have for one furniture specialization manage, specialization team, specialization management, specialization service, of the fractionize market territory of core business actor, financial performance actor, innovation ability actor, market brand actor only and actor insurance company.
Income of original insurance cost is immersed in negative growth
Nevertheless, lucky person life should make him only and the insurance company of actor, the problem that need faces is obvious very intractable.
Our newspaper reporter understands, income of business of this firm insurance is shown periodic glide, the fourth quarter was 190 million yuan last year, relatively go up to glide first quarter exceed 60% . Exceed before photograph of income of original insurance cost is compared a few years at every turn 100 percent add fast it is a not to be named on the same day with more, added 2018 fast it is to glide directly more for negative number. Came 2014 2018 its income of original insurance cost is respectively 590 million, 1.3 billion, 3.1 billion, 5.4 billion, 2.79 billion. Add fast it is respectively 313% , 125% , 131% , 75% , - 48% .
But income of original to its insurance cost falls the problem such as the reason, lucky person life did not answer duplicate to sign up for a reporter.
In addition, cash flows a respect, four quarters also were negative number 2018, for - three million two hundred and fifty-seven thousand one hundred yuan. Field of lucky person life expresses, the only cash reserve in a bank that appears in the light of the likelihood spreads a risk, will adopt specific canal to accuse measure: It is to optimize business structure, strengthen outstanding achievement to assess; 2 it is to strengthen daily ready money to flow monitor reach early-warning; 3 it is to strengthen asset to configure management, optimize asset combination.
On the other hand, the tall canal of lucky person life is fluctuant in recent years unusually frequent also.
In July 2016, finance of Hunan Province of moustache army transfer does president of the first to be appointed to an office of lucky person life, former president Zhou Tao is become temporarily chief. In October 2016, zhou Tao is obtained batch become president of lucky person life. April 2018, lucky person life releases announcement to say, zhou Tao offers resignation because of working reason. July 2018, huang Zhigang becomes the president of lucky person life.
Before this, the State Council develops Zhu Jun of vice director of lab of insurance of institute of research center finance to be born when accepting our newspaper reporter to interview to express: "Generally speaking, once the development strategy of a company needs to be managed continuously certainly drive, achieve strategic goal with longer time ability, and what be in charge of high is frequent fluctuant, cause constant change of the strategy and the change of management train of thought likely, go against a company to urge the implementation of strategic goal continuously on careful and decision-making foundation. Go against a company to urge the implementation of strategic goal continuously on careful and decision-making foundation..
Be in additionally add endowment obtain batch the following day, lucky person life is superintended to call-over.
On January 10, the silver-colored meeting that keep watch reported partial company to stop carry out link to lack necessary product to stop canal of carry out whole technological process to accuse in the product, if lucky person life already stopped some product of the sale namely before New Year, still be had by media coverage relevant product publicizes the introduction, show to can buy position, the canal that the company publicizes action to product sale accuses to exist apparent careless omission. Some day of lucky person life whether " lucky " the outside can wait and see what happens. (Beijing reports Wu Min of reporter of times of an ancient name for China)
